Kaiser Medical Plan HMO (CA Only)

The Kaiser HMO brings your doctors, specialists, pharmacy, and health plan together within the Kaiser Permanente network. You’ll choose a Kaiser primary care doctor who coordinates your care and provides referrals to specialists when needed.

Most services have set copays, while some services, such as lab work and X-rays, are available at no out-of-pocket cost.

Keep in mind: You’ll generally need to use Kaiser providers and facilities for your care to be covered, except in emergencies.

Getting care

Start by choosing a primary care doctor through the Kaiser provider directory. You can then schedule appointments and manage your care through your Kaiser account.

Once registered, you can:

  • Schedule appointments
  • Message your care team
  • Access your digital ID card
  • Review your medical and prescription benefits
  • View test results and other health information

With Kaiser, you’ll need to choose a primary care provider from the provider directory and schedule an appointment with them. You can register for an account for online access to your ID cards, medical and Rx benefits, to message your provider, and more.

Your Kaiser ID cards

Your medical ID card should arrive approximately two weeks after you enroll.

Need your member ID sooner? Call Kaiser at (800) 464-4000 and let them know you’re a new member. After verifying your information, Kaiser can provide your member ID number so you can get started.

Traveling internationally?

Need care while you’re away from home? Kaiser provides 24/7 travel support to help you understand where and how to get care.

Call Kaiser’s Away from Home Travel Line at (951) 268-3900 or visit Kaiser’s website for more information.

Kaiser Resources

Have questions on your benefits?

Contact the UMG
Benefit Service Center
at (888) 526-2794
from 8 am – 5 pm PT.

Kaiser (Plan #227476)
Phone: (800) 464-4000
Website: kp.org

Medical plan comparison

Anthem PPO
Anthem PPO
Anthem Co-Pay
Anthem HDHP
Anthem HDHP
Kaiser HMO
Plan Features
In-Network
Out-of-Network
In Network Only
In Network
In Network
In Network Only
Annual Deductible
None
$750 per member
$2,000 per family
None
$1,700 per member
$3,400 per family
$3,400 per member $6,800 per family
None
Annual Out-of-Pocket Maximum
$1,500 per member $3,000 per family
$3,000 per member
$9,000 per family
$800 per member
$2,400 per family
$3,400 per member
$6,800 per family
$6,800 per member $13,400 per family
$1,500 per member
$3,000 per family
Lifetime Maximum
Unlimited

Unlimited

Unlimited
Unlimited
Unlimited
Unlimited
Preventive Care
No co-pay
30% coinsurance*
No co-pay
No co-pay
30% coinsurance**
No co-pay
Primary Care
$20 co-pay
30% coinsurance*
$20 co-pay
10% coinsurance**
30% coinsurance**
$15 co-pay
Telehealth
No co-pay (LiveHealth Online)
Not covered
No co-pay (LiveHealth Online)
No co-pay (LiveHealth Online)
Not covered
No co-pay (Kaiser Video Visit)
Specialist
$40 co-pay
30% coinsurance*
$30 co-pay
10% coinsurance**
30% coinsurance**
$30 co-pay
Urgent Care
$20 co-pay
30% coinsurance*
$20 co-pay
10% coinsurance**
30% coinsurance**
$15 co-pay
Emergency Room
$100/visit (waived if admitted)
$100/visit (waived if admitted)
$100/visit (waived if admitted)
10% coinsurance**
10% coinsurance**
$100/visit
Mental / Behavioral Health
No co-pay
30% coinsurance*
No co-pay
No co-pay**
30% coinsurance**
$15 co-pay
Inpatient Hospitalization
10% coinsurance
30% coinsurance*
$200 co-pay
10% coinsurance**
30% coinsurance**
$100 co-pay/admission
Outpatient Surgery
10% coinsurance
30% coinsurance*
No co-pay
10% coinsurance**
30% coinsurance**
$30/procedure
Infertility Services
10% coinsurance (managed by Maven)
30% coinsurance (managed by Maven)
No co-pay (managed by Maven)
10% coinsurance
(managed by Maven)**
30% coinsurance (managed by Maven)**
Please review the SPD for specific services and coverage.
Lab & X-Ray
10% coinsurance
30% coinsurance*
No co-pay
10% coinsurance**
30% coinsurance**
No co-pay

*30% coinsurance after out-of-network deductible is met.
**HDHP coinsurance percentage is after initial deductible is met

Your 2026 Monthly Cost for Coverage**
Your 2026 Monthly Cost for Coverage**
Your 2026 Monthly Cost for Coverage**
Your 2026 Monthly Cost for Coverage**
Your 2026 Monthly Cost for Coverage**

Employee Only

Anthem PPO
Anthem Co-Pay (EPO)
Anthem High-Deductible Health Plan(HDHP)
Kaiser HMO (CA only)
Employee + Spouse
$185
$128
$95
$162
Employee + Child(ren)
$402
$283
$209
$333
Employee + Family
$377
$264
$190
$280
$531
$371
$276
$406
2026 Monthly COBRA Costs
2026 Monthly COBRA Costs
2026 Monthly COBRA Costs
2026 Monthly COBRA Costs
2026 Monthly COBRA Costs

Employee Only

Anthem PPO
Anthem Co-Pay (EPO)
Anthem High-Deductible Health Plan(HDHP)
Kaiser HMO (CA only)
Employee + Spouse
$1,300.10
$1,183.29
$1,133.75
$887.71
Employee + Child(ren)
$2,860.22
$2,603.23
$2,479.79
$1,952.95
Employee + Family
$2,600.27
$2,366.63
$2,267.55
$1,775.41
$3,770.40
$3,431.63
$3,222.92
$2,512.21

Have questions about your benefits?

Contact the UMG Benefits Service Center at (888) 526-2794 from Monday to Friday 8 am – 5 pm PT.